I am curious to know what saas or apps are HN user's paying out of their own pocket for? Not business apps, but for your own personal use.
Personally, I pay for feedly (rss reader), G Suite domain (for my personal email), beyondpod (podcast app for android), mighttext (syncs sms to gmail), todoist premium (task/to do app).
I used to pay for Crashplan until they terminated the plan I was on.
I hop on and off the paid plan of my own SaaS just to test the payment flow from time to time ;-)